Insurance

We
hold insurance policies to cover staff and students engaged in
University related activities and to protect the University against loss.

You
may be covered by the University's insurance policies if you are undertaking approved
activities related to your work.

Our cover

This information
provides a brief overview but is not an insurance contract. Contact the Insurance Team for information about our insurance cover and how to make a claim or phone the Insurance Team on 02 491 38180.

UoN has protection for claims made against its staff and students for the provision of, or failure to provide, any care, treatment, or service in respect of the physical or mental health of a person which results in bodily injury, death, sickness, disease, disability, shock, fright, mental anguish or mental injury to any person.

Medical practitioners working
in the University clinics must have their own medical malpractice insurance.

Medical malpractice insurance does not provide coverage for students of medicine wanting to undertake work experience in addition to the requirements of their course. Read information for students about insurance.

All vehicles owned by
the University are covered by comprehensive motor vehicle insurance including
compulsory third party insurance. You must have a valid drivers' licence and
approval to drive a University vehicle.

Make a claim

To arrange repair of accident damage to
a University-owned vehicle (including pool vehicles), please call VERO, the University's motor vehicle
insurance company, on 1800 222 043 and lodge a claim over the phone. You will
need to quote policy number: MSL016751021.

VERO
will advise of the process of getting quotes and repairs completed, as well as
how to pay any excess.

Our personal accident insurance covers conjoint
staff and approved volunteers while they are engaged in University activities.

What it covers

It is accident cover only and does not cover
illness. The policy includes a $50 excess for each claim and a one week excess on weekly benefits. Cover is limited, so you should obtain your own insurance if you require more comprehensive
coverage.

Our personal accident policy covers:

death and capital benefit

weekly injury benefit

home tutorial benefit

injury assistance benefit

modification benefit

medical expenses related to
injury up to $100,000 (only those not claimable on Medicare). This means any
medical service given that has a Medicare item number cannot be claimed – even
if there is a gap from the Medicare rebate. This is part of the Health Act and
cannot be avoided. Please obtain your own insurance if you do not feel this
will be adequate for your needs.

This policy takes effect after claims are made on
your private medical insurance.

Make a claim

Our cover includes
insurance against legal liability for breaches of professional duty by staff engaged
in approved University activities by reason of any negligent act, error or
omission in conduct of those University activities.

The policy includes a
worldwide cover but excludes USA and Canada. For incidents in the USA and
Canada, the University of Newcastle is a self-insurer.

Claims

Property owned or leased
to the University is covered against unforseen loss or damage. Your personal
property is not covered by this program.

Staff library
collections on campus are covered against loss or damage by fire, water and
theft where this has clearly occurred. You should keep a register of your books
and supply this as evidence when making a claim. You will also need to pay an
excess of $250 and the policy is limited to cover of $25,000.

Make a claim

Please notify the the Insurance Team as soon as possible about theft or damage to University property or staff
libraries. Failure to notify and arrange a claim within six months may jeopardise or limit the protection available.

Our public liability cover includes protection against claims that may be
brought by third parties for injury to third parties and/or damage to third
party property in those instances where the University may be proven legally
liable.

failure to act as a reasonable person would be expected to act in similar circumstances where such failure leads to a person being injured or their property damaged

Geographical limits

Our coverage extends to anywhere in the world with the following exceptions:

personal injury
or property damage caused by or arising out of University products knowingly
exported by the University, or our agents or servants, to the United States of America or
Canada

claims made and actions instituted within the United States of America
or Canada or any other territory coming within the jurisdiction of the courts
of the United States of America or Canada (this exclusion does not apply to
claims and actions made in relation to UoN employees or students who are involved in non-manual work or are supervising work and are resident outside
of the United States of America of Canada).

Claims

If you become aware of an incident where a person is injured or property
is damaged that may be a result of the University's negligence, please notify
the Insurance Team as soon as possible.

If you travel on
official University activities, you are covered by our corporate travel policy for
the official University component of your trip.

Please note this cover
is limited. You should, follow all University procedures for approvals for coverage to apply and you need to find out what it doesn't cover before you go and, if needed, organise
additional personal travel insurance.

What to do in an emergency

If you experience a medical or
security problem while travelling, you can get help from International SOS
(ISOS). Our membership of ISOS provides access to free, 24/7 assistance on call,
online and even on the ground to help with any medical, security and logistical
questions, concerns and situations that may arise. This may include recommending an appropriate doctor or medical service.

Call ISOS +61 2 9372 2468

You can call this Sydney number
reverse charge from overseas or you can contact any ISOS office overseas. For
more information on countries you are visiting, and to download the ISOS
Smartphone App, please see International SOS.

The University membership number is 12ACPA000086.

Make a claim

Gather
and keep all documents relating to your loss or injury. Examples
include police reports, medical reports, and lost baggage
correspondence.

You should notify the Insurance Team as soon as possible of your circumstances and lodge your claim
within six months of the date of loss or injury. Claims not lodged within six months risk being denied.